Ms. Pearl's Journey to Living Frugally

A journey to recapture freedom through simplicity and discarding debt.

About Me

Ms. Pearl

I am a married mom of 2 who is trying to get control of her finances! My husband and I have good jobs along with a big mortgage. We are also loaded down with credit card debt that we are slowly but surely getting rid of. I am hoping this blog will keep me on track!

We have 3 credit cards:
Chase
Bank of America
Capitol One
and a HEL
AND of course a mortgage

My routine

...is starting to return. The funeral is over. My dad is returning to Arizona and the holidays and New Years Party are a distant memory.

This past month was hectic and overwhelming!

I took a personal day the end of this week so I will have a 4 day weekend and we are still thinking about driving to Pittsburgh to the IKEA store. The thing is, I really don't have the cash to buy much of anything so I probably shouldn't even go...the temptation will be overwhelming.

Even tonight I am tempted to get pizza. The house is relatively clean, the dishes are washed and the last thing I want to do is cook or make any sort of mess. I might have to break down and go to Pizza Hut. Sometimes there are needs of the soul and tonight takeout pizza is my need.

I paid the mortgage today and balanced the checkbook. I spent about 200.00 more than I had budgeted for for this month because of all the running around but at least it was cash spent and not credit. Still, I am looking forward to February and March when I will see my debt take a huge hit in the form of a paid off car and paid off braces!!

I CANNOT WAIT!

Well, I know I shouldn't financially but I think we're going to have not homemade pizza tonight.

4 Responses to “My routine”

Don't give yourself too hard of a time over going out for pizza. Sometimes you just NEED to take a break, and I always find when I put off the temptations, they rear their ugly head double later on. I end up feeling so deprived that I go overboard. Enjoy! Relax!

Funny you were thinking about pizza tonight. When I got home tonight I stared into my fridge and my freezer, and even though I had a meal plan, all I wanted was pizza. I ended up eating my chili instead.